Career Issues, Need Assessment

[PinKisH_23]

Hello mga sis.

Marami lang akong issues, please bear with my kinda long post.

Nagwork ako sa call center for nearly 6 years, last office job ko was in June 2008, nung nakakita ako ng work from home opportunity I gave up working in the corporate world then grabbed whatever job I could find online. It was smoothly flowing, nakakaipon, minsan nauubos, now may small business pa ako (super part time lang) na online selling.

Since we're not getting any younger, hubby and I decided to get a pre selling house, 15K monthly for a year na down payment, another 10 years for 15K na amortization. When we grabbed this chance I had two full time jobs, for over 8 months I was earning roughly 50-60K pero super over worked, minsan 100 hours in a week ang ginugugol ko just to earn that much.

A month ago, when my second client decided to concentrate on his other business leaving me with just 1 regular job, earning just about 30-35K a month.

Problem is, I'm just on my 3rd month (kakabayad lang) ng DP, super long way to go pa. I am paying for our house rent, electric bill, phone/internet and water bills that amount to 12-15K a month.

Di pa kasama dyan ang groceries, emergency na pagkakagastusan (like right now biglang nasira ang ref), paregister ng sasakyan next month, philhealth (annual na kasi kami nagbabayad) at hospital emergencies na pwedeng mangyari anytime.

Now, sa sobrang haba ng post ko, ang main issue ko is if need ko naba na mag work abroad, it is the right time naba, kasi sa totoo lang kahit tuloy tuloy ang current work ko walang assurance to kasi nga online, we have no benefits either.

Siguro you would ask me, kung bakit ko to pinoproblema, honestly kasi walang work ang asawa ko, maswerte na kung magka work sya, I can see naman na pursigido sya pero wala talaga eh, so I don't question that part na, I just accepted it years ago.

Anyway, back to my question, is it really high time to go back to the corporate world outside the country? I'm seriously thinking about it kasi feeling ko wala na talaga akong maasahan dito sa Philippines.

Please assess my situation. Any feedback will be appreciated.

[craziestqueenever]

Ang haba ng post mo naguluhan tuloy ako.   

Mahirap talaga ang buhay ngayon lalo na kung may asawa ka and you're not finanncially stable.  (I'm  not swaying na there is a problem with your hubby. )

Anyway sis, Why not mag online job na lang ang hubby mo like yung mga PTC. no skillls required pa.

About going abroad, okay din naman yung idea na ganun basta sure ka sa pupuntahan mo abroad.


May mga ibang pamilya kahit nasa pinas sila nakakaraos din naman kahit konti basta "live within your means"  nga lang.


Think of your situation as a challenge not just for you but for hubby too... When you had overcome did challenge your relationship gets stronger.

[showermist]

Sis, may anak ba kayo? Kung may anak, kaya mo bang iwan anak
Mo? Sure ba na Mas malaki kikitain mo pag nagwork ka abroad?

If you're willing to adjust your financial lifestyle (read: living below your means), okay pa naman siguro kayo.

[PinKisH_23]

^ sis wala pa kaming anak, but we're planning na sana next year kapag nakalipat na kami sa house na hinuhulugan namin.

The truth is wala kaming luho, and I can say that we are living within our means yun nga lang, wala rin kaming credit cards or utang na binabayaran, napansin ko lang since lumaki ang gastos namin since December parang nakukulangan ako.

[wengerts]

if you work abroad, do you have the funds to support such move? considering na you have ammortizations? may savings ka ba na good for 6months? are you planning on applying when you get there or dito pa lang apply ka na? alam mo ba magkano din ang industry average sa country na pupuntahan mo? is it worth it? tipong you can live comfortably duon and still pay your dues here, and still save?

lastly, have you talked to your husband about migrating? (di ko kasi nabasa sa post mo) so kasama sya? or maiiwan sya dito? also, what will happen dun sa binabayaran nyo na house?

sorry dami tanong haha just want to understand first bago magcomment

[PinKisH_23]

^ Yun din ang isa mga kino consider ko sis. Finances. Kaya talagang nag iisip ako kung pag iipunan ko ba yun ng bonggang bongga or itatabi ko para sa DP ng house. Kung tutuusin kayang makaipon at kayang magtyaga sa sweldo, pero I'm thinking of long term plans.

Di naman ako nagplano na mag migrate, yung saktong makaipon ng mas malaki, yun nga lang, walang assurance na mas malaki talaga ang kikitain ko sa labas. Kasi kung papantay lang or konti lang ang difference dito nalang ako. It's a risk talaga.

[coo]

hi sis! hmm tingin ko naman hindi mo kailangan mag work abroad.. ok kumita ka dito sa phils ng 50-60k kung nagawa mi kumita ng ganyan sa phils for sure meron din sa phils na mas higher like 100k.. i mean pwede mo naman kitain sa phils yung makukuha mo kung mag abroad ka.. IMO lang naman..

naging issue nadin kasi sakin yan.. yun nga.. kung pwede ko naman kitain yung salary pag nasa abroad ka, bkit pa ako aalis ng phils.. to think na lahat ng kailangan ko andito naman.. and iba yung culture na dadatnan ko dun.. nag moment pa ako.. --> panu pag nagutom ako agad, meron din ba dun ng sari sari store lang.. mga pika pika in the middle of the night.. meron din bang tsismosang kapitbahay dun hahaha! (in fairness alerto sila incase may emergency) mga ganun bagay.. andami ko inisip..  madaming wala sa pupuntahan ko na andito sa phils.. kung kikitain ko nman un dito sa phils.. e dito nalang ako mas convenient.. 

[PinKisH_23]

^Lol, natawa naman ako dun. I share the same sentiments actually, kung kaya ko talagang kumita ng more than what I'm earning now, I'd love to stay, lalo pa at dalawa lang kami ni hubby, kawawa naman kung iiwan ko pa. Hopefully nga makakuha pa ako ng part time work. Mahirap din kasi na nagwowork ka ng sakto lang ang kita, walang naitatabi.

[smyl08angel]

Sises, anong companies ang nag-ooffer ng sholarship sa mga employees?

[xtine]

For me, if you feel that you are not financially stable to the point that your savings after paying all your expenses are almost ZERO, its time to look for greener pastures.  If you can find a work abroad with a salary na makakaipon kayo i say you for it.  Get a job na in a year makakaipon na agad kayo ni hubby.  I suggest this move habang wala pa kayong anak as working outside the phils will be harder if you have children.  Have a talk with your husband and compute.  If you think it will be beneficial if you work abroad and by all means do it, for your family's security.  But if you feel that whatever you will earn is comparable to what you have here in Phils (pay ng rent doon sa abroad, huge cost of living despite the salary) then I suggest just stay here and look for better means.  Most importantly, pray and ask guidance from HIM.

[kiz_me1109]

I agree with what craziestqueenever said that there are some familes that still chose to live together and nakakayanan naman. You just have to live within your means. Just like what Rich Dad, Poor Dad book says, there are people na habang lumalaki yung salary nila e lumalaki din yung liabilities nila.

Mahirap mag work sa ibang bansa. Lalo na kung may anak ka. Malaki nga yung pera na napapadala mo, pero wala ka naman to witness every milestones ng anak mo.

These are challenges in your marriage which I believe will make you become more stronger.

I'm sure kaya mo yan sis. Basta isipin mo nalang yung mga bagay na mas importante. yun muna ang unahin mong gastusan. If you think na may mga additional gastos ka for your wants ONLY. then try to let go of it. By that, mas makakatipid kayo.

[PhamLuis23]

What will you be doing overseas and where? Keeping two jobs for 10 years to pay for housing is a lot of work and sacrifice. Maybe having one job overseas will be better especially if it's in one of those countries that take work life balance seriously. And if your hubby is more likely to find work in that country, that's another thing to consider. He'll probably be happier there if he's able to find work and ultimately you'll both be happier. 

[miss resilient]

Ang haba ng post mo naguluhan tuloy ako.   

Mahirap talaga ang buhay ngayon lalo na kung may asawa ka and you're not finanncially stable.  (I'm  not swaying na there is a problem with your hubby. )

Anyway sis, Why not mag online job na lang ang hubby mo like yung mga PTC. no skillls required pa.

About going abroad, okay din naman yung idea na ganun basta sure ka sa pupuntahan mo abroad.


May mga ibang pamilya kahit nasa pinas sila nakakaraos din naman kahit konti basta "live within your means"  nga lang.


Think of your situation as a challenge not just for you but for hubby too... When you had overcome did challenge your relationship gets stronger.

tama po.. ts and her husband should work together to make ends meet. kami ng husband ko hindi naman kalakihan ang income pero kasya at may natatabi pa...talagang live within your means ang principle namin...

[Erie]

Siguro sis, bawasan mo na lang ang mga babayarin at i-budget and dapat i-budget para hindi mo iwanan ang asawa mo dito sa Philippines, naku mahirap na  considering na siya ang lalaki at ikaw ang babae..

O kaya siya ang pag-abroad-in mo like Taiwan or Japan, o kaya pa-pag aralin mo siya sa Welding Training Center and then saka mo pakuhanin ng trabaho dito sa Philippines, makapag gain lang siya ng 1-2 years experience pwedeng pwede na siya makapag-apply papuntang Abroad like Papua New Guinea, UAE, Dubai Saudi Etc.
Huwag puro ikaw, huwag puro ikaw ang dapat mag sacrifice,.. nagawa mo na ang part mo siya naman =)

Actually sa palagay ko naman hindi mahirap mag work sa ibang bansa lalo na kung alam mo ang ginagawa mo at bihasa ka sa trabahong iyon. Ang magiging problema mo lang siguro ay yung sa surroundings mo,. yung mga taong makakasalamuha mo, lalo na at ibang lahi pero kung sa work? for sure kayang kaya mo iyan, lalo na at mukhang masipag ka at alam mo ang dapat i-priority. So go lang! Basta iwas lang siguro sa Middle East.

So far naman yung mga kakilala ko sa Abroad na babae na nagt trabaho ay ok sa work nila at happy, siguro ang mga nabibiktima lang talaga ay yung mga taong nasa loob mismo ng bahay ng amo nila like DH, iyon siguro ang nakakatakot lalo na sa middle east pero kung work office,. sigurado hindi naman ganoong ka delikado, pakikisalamuha lang at mamimili ka lang ng taong kakaibiganin mo dun =)

Pero since na wala ka pa baby siguro iwanan mo na din muna ng alagain ang asawa mo para naman hindi siya malungkot kasi malamang mami miss ka nun, pero kung kasama niya ang anak mo sigurado dun siya focus pati sa business na naiwan mo dito sa pinas.

[xtine]

I am not sure if this post is still open but if you are still childless, then you and your husband can try abroad and save up.  At least magkasama pa kayo.  Then if the time comes that you think its better to raise a family outside the Phils (where you are), then you're all settled.